Paying in full versus settled for less than amount owed

Paying in full versus settled for less than amount owed

I paid some credit cards off two years ago for less than the full amount. Although I know that the companies just knocked off some of the penalties and interest, it of course shows derogetory on my reports and knocks my score way down.

I am just wondering point wise, if anyone knows if there is any difference for paying in full.

Does it still report as derogetory if you are way behind, but pay in full?

It will still show derogatory as my PIF accounts still sh...

It will still show derogatory as my PIF accounts still show derog. The only derog I had that is still active which was a student loans gives me a date when the account will revert to good standing on EX

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IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.